Frequently asked questions

We want to ensure you have the info you need. We’ve answered the most common questions about Figure here, but please reach out if we can help.

FAQS design
Applying

Applying

Figure Home Equity Loan PLUS

Figure Home Equity Loan PLUS

eNotary

eNotary

General

General

Figure Home Advantage

Figure Home Advantage

Report a Problem

Report a Problem

© 2019 Figure Technologies, Inc.

  • 650 California Street, Suite 2700
    San Francisco CA, 94108
  • 888-819-6388
    Not for use by New York borrowers
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Figure Lending LLCNMLS #1717824 - NMLSCONSUMERACCESS.ORG

Figure Home Equity Loan PLUS is available in CA with more states to come.

Equal Housing Opportunity Equal Housing Opportunity

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

1 Our APRs range from 4.99% to 12.75%. The lowest APR is only available to consumers with excellent credit. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Loan Plus with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.99% and a 3.00% origination fee. Your total loan amount would be $51,500. Origination fees range from 0-3% of your initial draw depending on the state in which your property is located. The advertised rate is available only to borrowers using primary residences as collateral. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status.

2 Approval in 5 minutes and funding in 5 days is based on a typical customer experience for properties located in counties that permit e-signatures and e-recording. Actual funding times may vary. Due to state law, funding in 5 days is not applicable to first lien loans secured by owner-occupied properties in Vermont.

3 Home values and price appreciation are estimates based on our assessment of independent data sources and automated valuation models (AVMs).
4 https://www.hsh.com/first-time-homebuyer/cost-of-owning-a-house.html
5 You should consult a tax advisor regarding the deductibility of interest and charges to your Home Equity Loan Plus.
6 Sources: Credit card, Personal loan, Traditional Home Equity

*State and city home valuation appreciation rates are based on Zillow home value estimates ( https://www.zillow.com/home-values/), https://www.zillow.com/san-jose-ca/home-values/)

One click to find your rate - it won’t affect your credit score.

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